i think some people here overcomplicate it. If client only "picks up the paint" you are free to do what you want and do it right and thats actually not the worst scenario =)
If he doesnt bother with text - add more images. etc Some project can get into first pages on native search with the right development without much investment from the client. Few hours of work for copywriter to create nice headlines and its good to go, lets your seo specialist look into it for an hour and tailor it stuff for long tail seo a little bit, even if the client didnt pay for it.
If its not a 100 usd project i think company should be able to spare 10% of the budget to add some bonuses to the project

Not saying such approach will fit every company but i always try to give more then i am payed for i guess. Anyhow we must work with what we got, sometimes it will take more time to explain client the need of something then it will take to just do it for him yourself, just make budget slightly bigger if you need to. Its common for many studios i know: you put some headers, texts, benefits as an example and client goes like "hey, thats cool, just let them be on launch version we like it".
ps obviously not speaking about web sites where content is THE THING. like blogs etc. Would be silly if client didnt realize the need to have good content on his blog and just payed for design xD
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